Milliyet.com.tr\/\u00d6ZEL<\/strong> Merkez Bankas\u0131\u2019n\u0131n faiz art\u0131r\u0131mlar\u0131 sonras\u0131 h\u0131zla y\u00fckselen mevduat faizleri son d\u00f6nemde y\u00f6n\u00fcn\u00fc a\u015fa\u011f\u0131 \u00e7evirdi. Ge\u00e7ti\u011fimiz haftalarda neredeyse y\u00fczde 60 seviyesine dayanan mevduat faizleri zirve seviyelerden d\u00fc\u015f\u00fc\u015fe ge\u00e7meye ba\u015flad\u0131.<\/p>\n \u0130lk etapta y\u00fczde 55 seviyelerine kadar gerileyen mevduat faizleri ge\u00e7ti\u011fimiz hafta 2 puan daha azal\u0131\u015f g\u00f6sterdi. \u015eu anda \u00f6zel bankalarda faizler y\u00fczde 53 seviyelerine \u00e7ekildi. Peki faizlerdeki d\u00fc\u015f\u00fc\u015f\u00fcn nedeni ne? 1 milyon TL\u2019si olan ne kazan\u0131yor?<\/p>\n \u0130\u015eTE FA\u0130ZLERDEK\u0130 D\u00dc\u015e\u00dc\u015e\u00dcN ANA NEDEN\u0130!<\/strong><\/p>\n Konuyla ilgili merak edilenleri milliyet.com.tr\u2019ye a\u00e7\u0131klayan Yeminli Mali M\u00fc\u015favir ve Ekonomist Muhammet Bayram \u015fu ifadeleri kulland\u0131: \u201c\u015eu anda bankalarda mevduat faizleri d\u00fc\u015f\u00fc\u015f e\u011filiminde. Politika faizi reel faizlere yak\u0131nsamaya ba\u015flad\u0131. Bununla birlikte Merkez Bankas\u0131 att\u0131\u011f\u0131 ad\u0131mlarla TL mevduat\u0131 cazip hale getirmekle birlikte faizlerin geri \u00e7ekilmesini sa\u011flad\u0131.<\/p>\n D\u00f6viz kredilerine b\u00fcy\u00fcme s\u0131n\u0131r\u0131 getirilmesi ve depo al\u0131m ihaleleri piyasadaki fazla paran\u0131n \u00e7ekilmesine neden oldu. Bankalar\u0131n mevduat toplama ihtiya\u00e7lar\u0131 azald\u0131. Bankalarda faiz oranlar\u0131 geri \u00e7ekilmeye ba\u015fland\u0131.<\/p>\n Bankalarda faiz oranlar\u0131n\u0131n y\u00fczde 60\u2019a dayanmas\u0131n\u0131n nedeni o d\u00f6nemde piyasada fazla TL olmamas\u0131yd\u0131. \u015eu anda bankalarda faiz oranlar\u0131 y\u00fczde 53\u2019lere kadar geriledi.<\/p>\n Ge\u00e7en hafta gecelik bor\u00e7 verme faizi Merkez Bankas\u0131\u2019n\u0131n politika faizinin a\u015fa\u011f\u0131s\u0131na geldi. \u015eu anda y\u00fczde 50\u2019ler seviyesinin politika faizi olarak yeterli bir seviyede oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyoruz.<\/p>\n \u00d6n\u00fcm\u00fczdeki d\u00f6nemde enflasyonda ciddi bir kat\u0131l\u0131k ya\u015fanmazsa \u015fu anda y\u00fczde 50\u2019ler seviyesindeki politika faizi yeterli olacakt\u0131r. Mevduat faizinde ya\u015fanan d\u00fc\u015f\u00fc\u015f\u00fcn ana sebebi piyasada TL\u2019nin yeterli seviyede olmas\u0131d\u0131r.<\/p>\n FA\u0130ZLERDE YEN\u0130DEN Y\u00dcKSEL\u0130\u015e OLUR MU?<\/strong><\/p>\n E\u011fer yeterli seviyede s\u0131cak para giri\u015fi olmaz, d\u00f6viz ani bir \u015fekilde y\u00fckselirse, enflasyonda kat\u0131l\u0131k s\u00f6z konusu olur ve d\u00fc\u015f\u00fcr\u00fclemezse bankalarda mevduat faizleri bir miktar daha y\u00fckselebilir.<\/p>\n FA\u0130ZLER\u0130N D\u00dc\u015eMES\u0130YLE BORSAYA Y\u00d6NEL\u0130M ARTAR MI?<\/strong><\/p>\n \u015eu anda en \u00e7ok getiri sunan yat\u0131r\u0131m arac\u0131 borsa. Borsadan sonra alt\u0131n ve TL mevduat faizi geliyor. TL dolar baz\u0131nda 32\u2019ler seviyesinde. Enflasyonun alt\u0131nda kazan\u00e7 sunuyor. Dolar ve euronun tasarruf mekanizmas\u0131 olmad\u0131\u011f\u0131n\u0131 vatanda\u015flar anlamaya ba\u015flad\u0131. D\u00f6vizini sat\u0131p borsa ve alt\u0131na girenler \u00e7ok daha fazla kazanabileceklerdi.<\/p>\n Borsa ciddi bir ra\u011fbet g\u00f6r\u00fcyor. BIST30\u2019da holding \u015firketleri kazan\u00e7 kap\u0131s\u0131 haline gelmi\u015f durumda. \u00d6n\u00fcm\u00fczdeki s\u00fcre\u00e7te borsan\u0131n 11 bin puan seviyelerine \u00e7\u0131kaca\u011f\u0131n\u0131 ve sene sonuna kadar 16 bin puan seviyelerine kadar y\u00fckselece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n 1 M\u0130LYON TL\u2019S\u0130 OLAN NE KAZANIYOR?<\/strong><\/p>\n Kamu bankalar\u0131nda 1 milyon TL\u2019nin ayl\u0131k net getirisi stopaj d\u00fc\u015f\u00fcr\u00fcld\u00fckten sonra 43 bin TL seviyesinde.<\/p>\n PORTF\u00d6YLERDE A\u011eIRLIKLAR NE OLMALI?<\/strong><\/p>\n Bir sepet yap\u0131lmak istense y\u00fczde 50 olarak TL mevduatta tutulmal\u0131, y\u00fczde 40 borsaya a\u011f\u0131rl\u0131k verilebilir. Di\u011fer kalan y\u00fczde 10\u2019luk k\u0131s\u0131m alt\u0131nda tutulabilir.\u201d<\/p>\n\n <\/p>\n Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/bankada-parasi-olanlar-dikkat-mevduat-faizleri-duser-mi-7136398<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Mevduat faizlerinde son haftalarda a\u015fa\u011f\u0131 y\u00f6nl\u00fc seyir dikkat \u00e7ekiyor. Bankalarda y\u00fczde 60 seviyelerine dayanan mevduat faizleri y\u00fczde 53\u2019lere kadar geri \u00e7ekildi. Peki faizler daha da d\u00fc\u015fer mi? \u015eu anda paras\u0131n\u0131 mevduatta de\u011ferlendirenler ayl\u0131k ne kazan\u0131yor? Konuyla ilgili merak edilenleri uzman isim milliyet.com.tr\u2019ye de\u011ferlendirdi. \u0130\u015fte detaylar…<\/p>\n","protected":false},"author":1,"featured_media":29705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[1688,1687,1690,41,1689],"class_list":["post-29704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalarda","tag-borsa","tag-dusus","tag-faiz","tag-su-anda"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/29704","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=29704"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/29704\/revisions"}],"predecessor-version":[{"id":29706,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/29704\/revisions\/29706"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/29705"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=29704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=29704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=29704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}